Me and Market

SIP Calculator SIP Calculator Select Investment Type: Monthly SIP Lumpsum Monthly Investment (Rs.): Expected Annual Return Rate (%): Time Period (Years): Total Investment (Rs.): Expected Annual Return Rate (%): Time Period (Years): Calculate Results: Invested Amount: Rs. 0 Estimated Return: Rs. 0 Total Wealth Value: Rs. 0

SWP Calculator SWP Calculator Total Investment (₹) Monthly Withdrawal (₹) Expected Return Rate (Annual %) Time Period (Years) Total Investment: ₹ Total Withdrawal: ₹ Final Amount Remaining: ₹

Retirement Corpus Calculator Retirement Corpus Calculator Current Age Retirement Age Current Monthly Expenses (Rs.) Expected Inflation (% per year) Calculate Retirement Corpus Required: ₹ First Month Withdrawal at Retirement (Inflation Adjusted): ₹ If Retirement Corpus earns ~7% annually: You can withdraw approx ₹ per month for 30 years

Loan Profit Calculator Loan Profit Calculator Loan Amount: Interest Rate on Loan (% per annum): Tenure (Years): Annual Profit Percentage on Loan Amount: Calculate

Gratuity Calculator - India Gratuity Calculator (India) Last Drawn Monthly Salary (₹): Years of Service: Calculate Gratuity

Buying a plot in India requires thorough due diligence to avoid legal and financial issues later. Here's a comprehensive checklist of things to verify: --- 1. Title Deed (Ownership Document) Check that the seller is the legal owner. Ask for the original title deed (not a photocopy). Ensure the title is clear, without disputes or multiple ownerships. Preferably get the deed verified by a property lawyer. --- 2. Encumbrance Certificate Confirms the land is free from any monetary or legal liabilities (loans, mortgages, etc.). Obtain it from the Sub-Registrar's Office. Check for at least last 13-30 years. --- 3. Sale Deed The actual legal document of sale transfer. Should be registered with the local Sub-Registrar. --- 4. Land Use Certificate / Zoning Confirm if the plot is residential, commercial, agricultural, or industrial. Check with the local planning authority (e.g., DDA, BDA, HMDA, etc.). --- 5. Conversion Certificate (if agricultural) If agricultural land is used f...

Indian Railway Finance Corporation (IRFC): Driving the Financial Engine of Indian Railways Introduction The Indian Railway Finance Corporation (IRFC) plays a crucial role in the growth and modernization of the Indian Railways , one of the largest rail networks in the world. As a dedicated financial arm of the Indian Railways , IRFC is responsible for raising funds and ensuring seamless financial support for railway infrastructure and rolling stock. In this blog, we will explore the key functions of IRFC, its impact on Indian Railways, and why it plays a vital role in India's economic growth. What is IRFC? Established in 1986 , IRFC is a public sector enterprise under the Ministry of Railways, Government of India . The primary objective of IRFC is to mobilize funds from various financial markets to meet the capital expenditure requirements of Indian Railways. It does this through: Issuing bonds Borrowing from domestic and international financial institutions Rai...

Under-Construction Loan Interest Calculator Under-Construction Loan Interest Calculator Total Loan Amount (₹): Interest Rate (% per year): Construction Period (Months): Monthly EMI (₹): Disbursal Schedule Calculate Interest

Rent vs Buy Calculator Rent vs Buy Calculator (₹) Monthly Rent (₹) Home Price (₹) Loan Interest Rate (%) Loan Term (Years) Down Payment (₹) Calculate

Home Loan & SIP Calculator Home Loan & SIP Calculator Loan Amount (₹): Loan Tenure (years): Loan Interest Rate (% per annum): SIP Monthly Investment (₹): SIP Expected Return Rate (% per annum): Calculate

Buying a home is a significant financial commitment, and for most people, it involves taking a home loan . At the same time, investing in a Systematic Investment Plan (SIP) can be an excellent way to build long-term wealth. But is it wise to do both at the same time? Let’s explore whether managing home loan EMIs and SIP investments simultaneously is a smart move or a financial burden. 1. Understanding Home Loans and SIPs Home Loan: A home loan is a long-term debt that helps individuals purchase a house. It comes with a fixed or floating interest rate and requires Equated Monthly Installments (EMIs) for repayment over a period (typically 10-30 years). SIP (Systematic Investment Plan): SIP is a disciplined way of investing in mutual funds at regular intervals (monthly, quarterly, etc.). It helps in wealth creation by taking advantage of rupee cost averaging and compounding . 2. Can You Manage a Home Loan and SIP Together? The simple answer is YES , but it depend...

Gratuity is a financial benefit offered to employees as a token of appreciation for their service to the company. It acts as a retirement benefit and is typically provided to employees who have worked with an organization for a specific duration, usually at least five years. Here's everything you need to know about gratuity and how you can calculate it. What is Gratuity? Gratuity is a lump-sum payment given to employees when they leave an organization after serving a specified minimum period. It is governed by the Payment of Gratuity Act, 1972 in India and applies to organizations with 10 or more employees. The gratuity amount is typically paid at retirement, resignation, or in case of death or disability. How is Gratuity Calculated? For employees covered under the Payment of Gratuity Act, the formula for calculating gratuity is: Gratuity = (Last Drawn Salary × 15 × Number of Years Worked) / 26 Last Drawn Salary : Basic salary + dearness allowance 15 : Represents 15 da...

Gratuity Calculator Gratuity Calculator Last Drawn Salary (Rs.): Years of Service: Calculate Gratuity

The National Pension System (NPS) is a government-backed retirement savings scheme in India aimed at providing financial security to individuals after retirement. It is a flexible and efficient tool for building a corpus for your golden years while enjoying tax benefits. Here's a detailed breakdown of NPS, including its account types, funding requirements, maturity options, and pension benefits. --- Types of NPS Accounts: Tier 1 and Tier 2 NPS offers two types of accounts: 1. Tier 1 Account: Purpose: This is the primary retirement account and comes with tax-saving benefits. Lock-in Period: The account has a mandatory lock-in period until the subscriber reaches the age of 60. Withdrawal Rules: Limited withdrawal options are allowed before maturity, such as for emergencies like education, marriage, or critical illnesses. 2. Tier 2 Account: Purpose: This is a voluntary savings account without the stringent withdrawal rules of Tier 1. Flexibility: You can deposit and withdraw fun...